01 - In a large oven-proof skillet over medium-high heat, cook the ground beef, breaking it apart, until evenly browned. Drain excess fat as necessary.
02 - Add diced onion, minced garlic, and diced red bell pepper to the skillet. Sauté until softened, about 3 to 4 minutes.
03 - Stir in the drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper until well combined.
04 - Pour in the enchilada sauce and tomato sauce, then mix thoroughly to incorporate.
05 - Arrange half the cut corn tortillas evenly over the beef mixture, then sprinkle evenly with half the cheddar and Monterey Jack cheese. Repeat layering with remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and allow to simmer for 5 to 7 minutes until heated through and cheese is fully melted.
07 - Place the skillet under a broiler for 2 to 3 minutes until the top is bubbly and golden, if desired.
08 - Top with green onions, cilantro, sour cream, or diced avocado as preferred. Serve hot.